If you want fluffy and warm, A high loft (bonded) poly batting is your best choice, and in that case you will have to tie it.
I have been quilting for 24 years, and my adult sons still prefer a high-loft quilt. The second one loves his old "two sheets and a puffy batting tied together" quilt, and the youngest has a pieced duvet cover for his feather duvet. The oldest (30) has a regular quilt on his bed, but I think that is because his wife wants it.
As for regular "quilted" quilts... cotton quilts just aren't warm enough in our northern climate. Poly quilts are better, and I just made a wool blend one. I am hoping that one will be warmer.